Return to Northeast Delta Dental Benefit

See Table of Allowances for information on what Delta allows for various procedures.

See Coverage for more information on what the Delta Plan covers.

Questions and Answers About Northeast Delta Dental Insurance

1. If you now have dental insurance through Northeast Delta Dental COBRA plan, can you enroll in MAR’s plan without waiting for the COBRA to expire?
   Yes. If you transition with no break in coverage you don’t have to observe the six months waiting period before full benefits are available.
2. Can your spouse or domestic partner obtain dental insurance even when he/she cannot share in your health insurance?
   Yes, the two insurances are not co-mingled and are sold by different companies.
3. Does coverage include Orthodontics?
   No. The insurer does not believe retirees would need teeth straightening work and has lowered its costs because of this.
4. What is the $25 -$75 Deductible?
   Coverage B and C services are subject to a deductible each contract year. This deductible does not apply to Coverage A services. The deductible will never exceed $75 for a family during a contract year.
5. How is the $1,500 coverage figured?
   It is your dental charge that is covered by the insurance but not the part you must pay. For instance, if you have a $100.00 procedure, and the insurance pays $80.00 of that, the $80.00 is the amount deducted from your $1,500.00 allowance.
6. Can I use my dental insurance out of the Tri-State area?
   Yes. If you visit a dentist outside the tri-state area (ME, VT or NH), you may be required to pay the dentist “up-front”, then mail the paid bill, with a claim form to Northeast Delta Dental and you will be reimbursed the amount covered by the policy.
7. What is dependent coverage?
   Dependent coverage ceases at the age of 19 or at the age of 25 when a child is attending a degree-granting institute of higher learning as a full-time student. Incapacitated children can remain covered regardless of age. (Spouse or domestic partners are also entered on the form as dependent to properly ascertain the premium costs).
8. If a spouse is still working and has a job-benefit dental insurance plan, can that spouse be enrolled in the retirees' dental plan?
   Yes. The spouse can be enrolled through both coverages or wait until he/she retires and joins the plan at the next “open enrollment” period as long as both dental policies are not through Northeast Delta Dental. They must be different companies.
9. Can you choose between Coverage A, B and C?
   No. You get all three types of coverage with your dental plan. Coverage A starts on the first of the month and B and C will start six months later, unless you are coming off COBRA and then the six month waiting period is waived.
10. How much does it cost to join the Maine Association of Retirees and be able to purchase the dental insurance?
    Dues for MAR membership are $1.25 per month, which can be deducted from your pension check along with your Delta Dental premiums. These dues are among the lowest of any public retiree organization in Maine.

Once you have singed up for dental insurance, MAR makes you effective for the first day of a month. The premium is automatically deducted from your pension check at the end of the month. You do not need to send in any monies to “start” your policy. The insurance will remain in effect until you notify MAR that you wish to cancel.